Which African countries are best protected against digital fraud in 2025 (Sumsub)
October 28th 2025
Faced with a global upsurge in AI-fueled fraud, African countries are, on the whole, displaying a fragile defensive posture, particularly due to the weakness of their material and institutional resources.
Mauritius, Botswana, and Morocco are the African countries best protected against digital fraud in 2025, according to a ranking published on Thursday, October 9, 2025, by Sumsub, an identity verification platform, in partnership with Statista and several international associations.
The Global Fraud Index 2025 assesses the risk of digital fraud in 112 countries, to help businesses, regulators and governments better understand and prevent online fraud, based on internal data (more than one million checks per day carried out by the Sumsub platform) and reliable external sources (World Bank, Oxford Insights, Transparency International, etc.).
The index is based on several indicators, including fraud rate, anti-money laundering policy, perception of corruption, resources dedicated to e-government, government effectiveness, artificial intelligence (AI) readiness, unemployment rate, cost of living, national cybersecurity policy, internet speed, purchasing power, and GDP per capita. These indicators are grouped into four pillars with the following weightings: fraudulent activities (50% of the overall score), accessibility of resources (20%), government intervention (20%), and economic health (10%).
The index thus incorporates the “fraud triangle” model, which highlights how three factors—pressure, opportunity, and rationalization—contribute to increasing digital fraud rates. The scores assigned to the countries studied in each indicator and pillar, as well as the overall score, were calculated by experts at Sumsub, using a complex methodology that was not detailed. The platform specifies, however, that the lowest scores are assigned to the countries best protected against digital fraud. Conversely, the highest scores reflect the countries most vulnerable to fraudulent practices.
Persistent weaknesses
In Africa, Mauritius emerged as the country best protected against fraud, ranking 22nd globally. As a major financial services hub on the continent, it achieved a score of 1.8 points, owing to a low prevalence of fraudulent activity (0.27 points), good economic health (0.49 points), and effective institutional responses (0.52 points). However, its main weakness is its accessibility to resources dedicated to combating fraud (1.56 points).
With a score of 2.29 points, Botswana (46th in the world) occupies the second position on the African scale, ahead of Morocco (50th in the world), Tunisia (67th), South Africa (74th), Egypt (79th), Ghana (88th), Algeria (90th) and Zimbabwe (92nd). Senegal (94th in the world) closes the African Top 10.
(See the ranking of the 16 African countries covered by the index below).
Overall, Africa remains the most fraud-prone region in the world, with an average regional score of 3.84 points, which is significantly higher than the global average of 2.79 points. This regional score highlights the continent’s vulnerability to digital fraud, which stems primarily from its persistently weak physical resources and regulatory and institutional capacities.
Globally, the countries best protected against digital fraud are Luxembourg, Denmark, Finland, Norway and the Netherlands.
African countries best protected against digital fraud in 2025: Link here
1-Mauritius (22nd in the world)
2-Botswana (46th)
3-Morocco (50th)
4-Tunisia (67th)
5-South Africa (74th)
6-Egypt (79th)
7-Ghana 88th
8-Algeria (90th)
9-Zimbabwe (92nd)
10-Senegal (94th)
11-Kenya (99th)
12-Ethiopia (102nd)
13-Rwanda (105th)
14- Uganda (107th)
15-Tanzania (108th)
16-Nigeria (110th)
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